Geld voor een babykamer

Ben je zwanger? Gefeliciteerd! Zonder van je roze wolk te vallen is het wel verstandig om nu het één en ander te gaan regelen. Het krijgen van een kindje is fantastisch maar kost ook veel geld, al voordat het geboren is. Je moet de baby uitzet aanschaffen, de kinderkamer in orde maken en je woning dusdanig aanpassen zodat deze kindvriendelijke is. Uiteraard moeten er kleertjes komen, een kinderwagen, autostoeltje en nog veel meer. Een gemiddeld gezin besteed ongeveer 17% van het totale besteedbare inkomen aan hun kindje. Het gemiddelde hoeft natuurlijk helemaal iets te zeggen over jouw uitgaven voor je baby maar wat extra geld kan zeer goed van pas komen, zeker in de eerste maanden wanneer er nog van alles aangeschaft moet worden.

Een lening afsluiten om de babykamer te realiseren

Veel toekomstige ouders sluiten een persoonlijke lening af om de babykamer te realiseren. Wanneer je deze lening verstandig afsluit is dat een prima oplossing voor het tijdelijk creëren van wat extra geld. Maar hoe sluit je verstandig een lening af en waar moet je op letten? Dat gaan we je uitleggen in dit artikel.

Verstandig lenen

Verstandig geld lenen voor het realiseren van een babykamer doe je door een begroting te maken. Geld lenen kost geld, teveel lenen is dus letterlijk zonde van het geld. Bereken dus wat je precies nodig hebt. Als je weet hoeveel geld je nodig hebt, ga je kijken wat je per maand kan missen om de lening weer af te betalen. Dit moet dus geld zijn dat je overhoudt nadat alle vaste lasten zijn voldaan en ook de boodschappen betaald zijn. Als je weet wat je per maand kunt missen om je lening af te betalen is het tijd om de vergelijker in te vullen op overstappen.nl.

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Leningen vergelijken loont

Iedere kredietverstrekker heeft zijn eigen voorwaarden. Voorwaarden die voor jou wellicht gunstig zijn maar voor de buurman die ook een lening wilt afsluiten voor een ander doel wellicht helemaal niet passend zijn. Daarom is het aanvragen van een lening altijd maatwerk. Vul de gevraagde gegevens in de vergelijker in en kijk welke kredietverstrekkers hieruit naar voren komen. Vergelijk vervolgens de rente die de kredietverstrekkers hanteren. De goedkoopste lening, is de lening met de kortste looptijd en de laagste rente. Je moet dan wel goed bekijken of het maandbedrag dat je dient af te betalen haalbaar is. Bij het afsluiten van een lening, ga je een contract aan waaraan je jezelf dient te houden wil je niet in de financiële problemen komen. Zorg dus dat de gevraagde aflossing haalbaar is voor jou, ook in maanden wanneer je wellicht wat minder te besteden hebt.



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